The terms that govern your use of Appex Wallet (appexwallet.in).
These Terms of Service ("Terms") govern your access to and use of appexwallet.in and the Appex Wallet platform (the "Platform"), operated by Appex Wallet, registered in West Bengal, India. By creating an account or using the Platform, you agree to be bound by these Terms. If you do not agree, please do not use the Platform.
You must be at least 18 years old and capable of entering into a legally binding contract under the Indian Contract Act, 1872 to use the Platform. By using the Platform, you represent that you meet these requirements.
You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Notify us immediately at support@appexwallet.in if you suspect unauthorised use of your account. We are not liable for losses caused by your failure to safeguard your credentials.
Appex Wallet enables recharges (mobile prepaid, DTH, Fastag, NCMC card, EV recharge), bill payments (electricity, broadband, LPG, gas pipeline, water, mobile postpaid, landline, loan EMI, education fees, credit card, insurance, housing society, municipal tax, cable TV, e-challan, prepaid meter), and account-opening or financial services (bank account, demat account, credit card application, agent collection, club memberships). Availability of a specific biller or service may vary by location and is not guaranteed.
Payments made through the Platform are processed via UPI, debit/credit cards, net banking, or other supported modes through RBI-regulated payment gateways. You confirm that the details you enter (mobile number, consumer ID, account number, amount) are accurate; Appex Wallet is not responsible for payments made to an incorrect account due to details entered by you.
If a transaction fails after the amount has been debited, the amount is typically reversed to your original payment source within the timelines set out in our Refund Policy. Some billers may take longer to confirm a payment; in such cases we will update the transaction status as soon as we receive confirmation.
You agree not to: use the Platform for any unlawful purpose; attempt to gain unauthorised access to our systems; use another person's payment instrument without authorisation; interfere with the Platform's normal operation; or use automated means to access the Platform without our written permission.
All content on the Platform, including the Appex Wallet name, logo, design, and software, is owned by or licensed to Appex Wallet and is protected by applicable intellectual property laws. You may not copy, modify, or distribute this content without prior written consent.
The Platform is provided on an "as is" and "as available" basis. To the extent permitted by law, Appex Wallet is not liable for indirect, incidental, or consequential damages arising from your use of the Platform, delays caused by billers or payment networks, or events beyond our reasonable control.
You agree to indemnify and hold Appex Wallet harmless from any claims, losses, or expenses arising from your breach of these Terms or misuse of the Platform.
We may suspend or terminate your access to the Platform if we reasonably believe you have violated these Terms, engaged in fraudulent activity, or misused the service. You may close your account at any time by contacting support.
These Terms are governed by the laws of India. Any disputes arising from these Terms or your use of the Platform will be subject to the exclusive jurisdiction of the courts of West Bengal, India.
We may revise these Terms from time to time. Material changes will be reflected by an updated "Last updated" date on this page. Continued use of the Platform after changes take effect constitutes acceptance of the revised Terms.
For questions about these Terms, contact us at support@appexwallet.in or through our Contact Us page.